Dental business insurance costs vary significantly by coverage type. MoneyGeek's analysis shows monthly premiums range from $11 for workers' compensation to $84 for professional liability coverage.
Updated: August 19, 2025
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Key Takeaways
Dental business insurance costs range from $11 to $84 monthly, with Professional Liability coverage representing the highest expense.
Your dental insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable dental business insurance costs.
Average Dental Business Insurance Cost Overall
| BOP | $32 |
| General Liability | $22 |
| Professional Liability (E&O) | $84 |
| Workers' Comp | $11 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Dental Business Insurance Cost for General Liability Coverage by State
Your dental business general liability coverage costs vary by location. North Carolina offers the most savings at $19 monthly versus the $22 national average, helping you plan your business expenses effectively.
| Alabama | $21 |
| Alaska | $20 |
| Arizona | $21 |
| Arkansas | $21 |
| California | $24 |
| Colorado | $21 |
| Connecticut | $23 |
| Delaware | $23 |
| Florida | $23 |
| Georgia | $22 |
| Hawaii | $23 |
| Idaho | $20 |
| Illinois | $24 |
| Indiana | $21 |
| Iowa | $21 |
| Kansas | $21 |
| Kentucky | $20 |
| Louisiana | $25 |
| Maine | $19 |
| Maryland | $21 |
| Massachusetts | $23 |
| Michigan | $20 |
| Minnesota | $20 |
| Mississippi | $22 |
| Missouri | $21 |
| Montana | $22 |
| Nebraska | $20 |
| Nevada | $25 |
| New Hampshire | $21 |
| New Jersey | $24 |
| New Mexico | $22 |
| New York | $25 |
| North Carolina | $19 |
| North Dakota | $19 |
| Ohio | $20 |
| Oklahoma | $20 |
| Oregon | $20 |
| Pennsylvania | $25 |
| Rhode Island | $24 |
| South Carolina | $22 |
| South Dakota | $20 |
| Tennessee | $21 |
| Texas | $22 |
| Utah | $21 |
| Vermont | $21 |
| Virginia | $20 |
| Washington | $25 |
| West Virginia | $23 |
| Wisconsin | $21 |
| Wyoming | $20 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Dental Business Insurance Cost for Workers’ Compensation Coverage by State
Your dental business's cost for workers' compensation varies by state. North Carolina offers the lowest rates at $10 monthly, while Pennsylvania charges the highest at $13 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $11 |
| Alaska | $10 |
| Arizona | $11 |
| Arkansas | $11 |
| California | $12 |
| Colorado | $11 |
| Connecticut | $12 |
| Delaware | $12 |
| Florida | $12 |
| Georgia | $11 |
| Hawaii | $12 |
| Idaho | $11 |
| Illinois | $12 |
| Indiana | $11 |
| Iowa | $11 |
| Kansas | $11 |
| Kentucky | $11 |
| Louisiana | $13 |
| Maine | $10 |
| Maryland | $11 |
| Massachusetts | $12 |
| Michigan | $11 |
| Minnesota | $11 |
| Mississippi | $11 |
| Missouri | $11 |
| Montana | $11 |
| Nebraska | $11 |
| Nevada | $13 |
| New Hampshire | $11 |
| New Jersey | $13 |
| New Mexico | $11 |
| New York | $13 |
| North Carolina | $10 |
| Oklahoma | $10 |
| Oregon | $10 |
| Pennsylvania | $13 |
| Rhode Island | $12 |
| South Carolina | $11 |
| South Dakota | $10 |
| Tennessee | $11 |
| Texas | $11 |
| Utah | $11 |
| Vermont | $11 |
| Virginia | $10 |
| West Virginia | $12 |
| Wisconsin | $11 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Dental Business Insurance Cost for Professional Liability Coverage by State
Like other types of coverage, your dental cost for professional liability varies by state. The national average is $84 monthly, with Alaska offering the lowest rates at $71 monthly for E&O insurance, while Louisiana charges the highest at $102 monthly.
| Alabama | $83 |
| Alaska | $71 |
| Arizona | $80 |
| Arkansas | $80 |
| California | $92 |
| Colorado | $82 |
| Connecticut | $92 |
| Delaware | $90 |
| Florida | $91 |
| Georgia | $86 |
| Hawaii | $93 |
| Idaho | $79 |
| Illinois | $92 |
| Indiana | $82 |
| Iowa | $80 |
| Kansas | $81 |
| Kentucky | $77 |
| Louisiana | $102 |
| Maine | $73 |
| Maryland | $80 |
| Massachusetts | $88 |
| Michigan | $79 |
| Minnesota | $77 |
| Mississippi | $82 |
| Missouri | $83 |
| Montana | $83 |
| Nebraska | $80 |
| Nevada | $96 |
| New Hampshire | $82 |
| New Jersey | $95 |
| New Mexico | $84 |
| New York | $96 |
| North Carolina | $72 |
| North Dakota | $75 |
| Ohio | $75 |
| Oklahoma | $81 |
| Oregon | $78 |
| Pennsylvania | $97 |
| Rhode Island | $92 |
| South Carolina | $86 |
| South Dakota | $78 |
| Tennessee | $81 |
| Texas | $85 |
| Utah | $80 |
| Vermont | $80 |
| Virginia | $78 |
| Washington | $96 |
| West Virginia | $88 |
| Wisconsin | $83 |
| Wyoming | $79 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Dental Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show big differences in dental business insurance costs across states. For example, coverage in Pennsylvania costs $37 monthly, while Maine dentists pay just $27 for the same policy.
| Alabama | $31 |
| Alaska | $29 |
| Arizona | $30 |
| Arkansas | $31 |
| California | $36 |
| Colorado | $32 |
| Connecticut | $35 |
| Delaware | $34 |
| Florida | $34 |
| Georgia | $32 |
| Hawaii | $35 |
| Idaho | $30 |
| Illinois | $35 |
| Indiana | $31 |
| Iowa | $30 |
| Kansas | $32 |
| Kentucky | $29 |
| Louisiana | $36 |
| Maine | $27 |
| Maryland | $30 |
| Massachusetts | $33 |
| Michigan | $29 |
| Minnesota | $30 |
| Mississippi | $32 |
| Missouri | $31 |
| Montana | $32 |
| Nebraska | $30 |
| Nevada | $37 |
| New Hampshire | $31 |
| New Jersey | $36 |
| New Mexico | $32 |
| New York | $36 |
| North Carolina | $28 |
| North Dakota | $27 |
| Ohio | $29 |
| Oklahoma | $30 |
| Oregon | $30 |
| Pennsylvania | $37 |
| Rhode Island | $35 |
| South Carolina | $33 |
| South Dakota | $30 |
| Tennessee | $31 |
| Texas | $32 |
| Utah | $31 |
| Vermont | $31 |
| Virginia | $29 |
| Washington | $36 |
| West Virginia | $34 |
| Wisconsin | $31 |
| Wyoming | $29 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Dental Business Insurance Cost
Insurance companies look at several factors to determine your dental business insurance rates. Understanding these elements helps you create more accurate budget plans. We explain these key factors below.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas prone to natural disasters or with higher crime rates increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding dental hygienists, assistants or office staff increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. For example, a solo dental practice earning $300,000 annually will pay less than a multi-dentist practice with $2 million in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive dental equipment requires higher coverage limits, increasing your premiums. A practice using advanced imaging systems and specialized dental chairs worth hundreds of thousands will pay more for equipment coverage than one using basic dental tools.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Dental Business Insurance
Smart dental practice owners can lower their business insurance costs through strategic shopping and risk management, with proven strategies that deliver both immediate and long-term savings.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your dental practice needs prevents overpaying for unnecessary coverage. Professional liability protects against malpractice claims, while general liability covers patient accidents in your office. Equipment coverage safeguards expensive dental tools and technology.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Compare quotes from at least three companies to find the best rates. Consider working with an independent agent who specializes in dental practices to access multiple carriers.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining professional liability, general liability and property insurance with one carrier typically costs less than separate policies from different providers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. While you'll pay more out-of-pocket for claims, the monthly savings can be significant if your practice has a strong financial position and few past claims.
- 5
Pay annually instead of monthly
Most insurance carriers charge additional fees for monthly payment plans. Paying your full premium annually eliminates these extra charges and often qualifies you for additional discounts on your coverage.
- 6
Review and adjust your coverage annually
Your insurance needs change as your dental practice grows or adds new services. Review your policies yearly to ensure coverage aligns with current operations. Remove unnecessary coverage and adjust limits based on your current business size and risk exposure.
Insurance for Dental Business Cost: Bottom Line
Dental business insurance costs range from $11 to $84 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Dental Business Insurance Cost: FAQ
Business owners often ask about dental insurance costs, from general liability coverage to workers' compensation. Here are straightforward answers to common questions.
What is the cheapest type of dental business insurance?
Workers' compensation insurance costs $11 monthly, making it the most economical option. However, most dental practices need general liability insurance ($22 monthly) to safeguard against customer injuries and property damage.
How much can I save by bundling my dental business insurance policies?
Bundling multiple policies through a BOP offers significant savings. Insurance companies provide better rates when combining different coverage types under one policy.
What factors make my dental business insurance more expensive?
Factors that can make dental business insurance costly include how many employees there are, the size and location of the business.
Should I choose a $500 or $2,500 deductible for my dental business insurance?
Higher deductibles mean lower monthly premiums but require more out-of-pocket costs when filing claims. Base your choice on available cash flow and claim frequency expectations.
How much does workers' compensation cost for dental businesses by state?
Workers' compensation costs for dental businesses range from $10 monthly in North Carolina to $13 monthly in Pennsylvania, varying by state regulations and risk factors.
Is business owner's policy (BOP) worth the extra cost for dental companies?
BOP insurance for dental practices costs $32 monthly and bundles general liability, commercial property and business interruption coverage. This comprehensive package delivers more value than purchasing policies separately.
How often should I shop around for dental business insurance quotes?
Review your dental business insurance annually during renewal. Compare at least three insurers to find better rates, particularly if your practice has grown or added new services.
How We Determined Dental Business Insurance Costs
We collected dental business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small dental businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the dental industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.